Dollar cost averaging (DCA) in IDAI means investing a fixed amount at regular intervals, regardless of share price. This strategy reduces timing risk and builds wealth steadily through market ups and downs.
How This Calculator Works
Our DCA calculator simulates real market conditions using historical price data. It accounts for dividend reinvestment (DRIP), where each dividend payment automatically purchases additional shares. You can adjust the investment amount, frequency, time period, and compare against benchmarks like the S&P 500 and Nasdaq-100.
Same amount invested each month — only the day of purchase changes. How much does intra-month timing actually matter?
Best Timing DCA
StrategyBuy on monthly low
Total Return-6.8%
Final Value$38.7K
Perfectly timed — impossible in practice
Your DCA
StrategyBuy on 1st of month
Total Return-23.6%
Final Value$31.3K
Consistent — no timing needed
Worst Timing DCA
StrategyBuy on monthly high
Total Return-28.0%
Final Value$29.9K
Worst possible — still beats not investing
Best vs Worst gap21.1 pp
Your timing vs best-16.7%
Your timing vs worst+4.4%
If You Keep Investing…
Based on this stock's historical CAGR of -5.0%/yr — put in vs. walk away with.
Your Plan
At $500/mo, this could grow into:
3 Years$18K~1.0x your moneyfrom $18K invested
5 Years$30K~1.0x your moneyfrom $30K invested
10 Years$60K~1.0x your moneyfrom $60K invested
20 Years$120K~1.0x your moneyfrom $120K invested
Compare Other Monthly Amounts
Same CAGR assumption. Use this to pressure-test different monthly commitments.
Monthly
3 Years~1.0x your money
5 Years~1.0x your money
10 Years~1.0x your money
20 Years~1.0x your money
$100/mo
$4K+$0 est. gain
$6K+$0 est. gain
$12K+$0 est. gain
$24K+$0 est. gain
$250/mo
$9K+$0 est. gain
$15K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$500/mo
$18K+$0 est. gain
$30K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$1,000/mo
$36K+$0 est. gain
$60K+$0 est. gain
$120K+$0 est. gain
$240K+$0 est. gain
* Projection assumes historical CAGR of -5.0% continues. Actual returns will vary.
Your DCA Results by Date
63 purchases
Date
Price
Invested
Portfolio Value
% Gain
Gain ($)
Feb 24, 2021
$1.23
$10,000
$10,000
+0.00%
$0
Mar 24, 2021
$999,999.00
$10,500
$8,130,073,671
+77429173.05%
$8,130,063,171
Apr 26, 2021
$3,948.75
$11,000
$32,104,161
+291756.00%
$32,093,161
May 24, 2021
$55,687.50
$11,500
$452,751,482
+3936869.40%
$452,739,982
Jun 24, 2021
$2,812.50
$12,000
$22,866,736
+190456.14%
$22,854,736
Jul 26, 2021
$187.50
$12,500
$1,524,949
+12099.59%
$1,512,449
Aug 24, 2021
$232.50
$13,000
$1,891,437
+14449.51%
$1,878,437
Sep 24, 2021
$202.50
$13,500
$1,647,881
+12106.52%
$1,634,381
Oct 25, 2021
$426.75
$14,000
$3,473,256
+24708.97%
$3,459,256
Nov 24, 2021
$345.00
$14,500
$2,808,404
+19268.31%
$2,793,904
Dec 27, 2021
$307.50
$15,000
$2,503,643
+16590.95%
$2,488,643
Jan 24, 2022
$356.25
$15,500
$2,901,062
+18616.53%
$2,885,562
Feb 24, 2022
$292.50
$16,000
$2,382,425
+14790.15%
$2,366,425
Mar 24, 2022
$179.25
$16,500
$1,460,499
+8751.51%
$1,443,999
Apr 25, 2022
$146.25
$17,000
$1,192,120
+6912.47%
$1,175,120
May 24, 2022
$136.50
$17,500
$1,113,146
+6260.83%
$1,095,646
Jun 24, 2022
$138.75
$18,000
$1,131,994
+6188.86%
$1,113,994
Jul 25, 2022
$105.00
$18,500
$857,144
+4533.21%
$838,644
Aug 24, 2022
$104.25
$19,000
$851,522
+4381.69%
$832,522
Sep 26, 2022
$62.25
$19,500
$508,963
+2510.06%
$489,463
Oct 24, 2022
$71.25
$20,000
$583,048
+2815.24%
$563,048
Nov 25, 2022
$59.25
$20,500
$485,350
+2267.56%
$464,850
Dec 27, 2022
$30.75
$21,000
$252,391
+1101.86%
$231,391
Jan 24, 2023
$75.00
$21,500
$616,087
+2765.52%
$594,587
Feb 24, 2023
$45.00
$22,000
$370,152
+1582.51%
$348,152
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Frequently Asked Questions
Common questions about DCA investing in IDAI
Investing $500 per month in T Stamp Inc. (IDAI) over the past 5 years would be worth approximately $31K today. That's -23.6% total return on $41K invested, with a -5.0% compound annual growth rate (CAGR).